let my mother was younger I kept saying not need to get long term care insurance and she kept saying -- I don't need long term care insurance I'm never going to end up that way. Back then she could have bought a policy purchased a policy. That would have cost her about two or 3000 dollars a year. That would essentially be covering everything today. Almost. If you're out there and you can afford it it's. Long term care insurance is something every single one of you should be looking into so that you aren't in the problem that I have every body. Long term care insurance should be purchased in your late fifties. It should be there for you when you're older I hope with the type

about three years. So it just be careful you should only purchased long term care insurance if you can afford it. When you buy it and you know you're going to be able to afford it. Twenty or thirty years from now until you turn 84 it makes no sense to buy -- long term care insurance. And then dropped it five years from now as you no longer can afford it.